Operator Good morning, and welcome to the Howard Bancorp, Inc. Fourth Quarter and Full Year 2020 Financial Results Conference Call. My name is Doug, and I'll be your operator today. Please note, this conference call is being recorded. [Operator Instructions] I would now like to turn it over to Robert L. Carpenter, Executive Vice President and Chief Financial Officer of Howard Bancorp, Inc. Mr. Carpenter, you may begin. Robert L. Carpenter Jr., -- Executive Vice President and Chief Financial Officer Thank you, Doug. Good morning. I would like to begin by thanking everyone for joining the call this morning. Again, my name is Bob Carpenter, and I am the Chief Financial Officer here at Howard Bancorp. Before we begin the presentation, I'd like to simply remind everyone that some of the comments made during this call would be considered forward-looking statements. In the interest of time, instead of reading through all those warnings, I would direct everyone to page two of our earnings presentation. Our Form 10-K for the fiscal year 2019, our quarterly earnings reports on Form 10-Q and our current reports on Form 8-K all identify certain factors that could cause the company's actual results to differ materially from those projected in any forward-looking statements made this morning. The company does not undertake the process to update any forward-looking statements as a result of new information or future events or recent developments. Our periodic reports are available from the company, either on our website or via the SEC's website. I would like to remind everyone that while we think our prospects for continued growth and performance are good, and we -- we have to keep in mind that COVID-19-related challenges. It is our policy not to establish with the markets any earnings, margin or balance sheet guidance. With that said, I now would like to introduce Mary Ann Scully, the Chairman and CEO of Howard Bancorp.